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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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Marcovb64

Please help !! British Gas are Cowboys

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Hi I wondered if anyone can help me please

I want to take British Gas to court

 

I had a small outstanding bill which I contested for quite a long time

In the end I agreed to settle this bill and did so via a standing order of £10 a month

the bill was for £150 and has only about £50 left on it

 

in the time I was paying it British Gas have put missed payment markers on my Experian account and as a result decimated my credit score from 995 to 210

 

 

they said direct debit was the only payment they recognized even though one fo their staff gave me the standing order details over the phone which I have on a recorded call

 

EVEN after I agreed to pay in full they would not remove the markers even though I am still one of their customers !!!

 

the Ombudsman said they cant help

( I think they ran over their allotted time and if so washed their hands of it)

 

British Gas not removing markers is just downright malicious to me

especially as I have offered to settle the debt in full

and I was making payment at the time the markers were applied to my Experian score

These marker were even applied whilst I was making payment to them !

 

Just really unfair as I have been with them for 10 years and am still with them

Can anyone help and tell me how I can fight this ?

 

they have destroyed my credit rating completely and from having 999

I couldn't even get a credit card when I went to Disneyland with the family

because of them I think this is absolutely criminal

and I would gladly employ a solicitor to help me with this in court

 

I have told OS services I don't accept their ruling and I am ready to go to court against British Gas

 

How can I start this process to fight this and bring a court case against British Gas ?

can anyone help me please ....?

Why should these fat cat criminals win and destroy my credit score !!

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Hi Marcovb64

 

Please be patient I am sure the caggers will be along to assist in the mean time .

 

Could you give use a Timeline of events leading to this from start till now?

 

Could you please type (verbatim) what the Ombudsman Decision was?


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" I had a small outstanding bill which I contested for quite a long time "

 

If you could expand as to what the initial debt was and why it came about Marcovb ?

 

Regards

 

Andy


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sadly they are quite correct to mark your Credit File Calendar

but they should have entered a default date in the debt summary?

 

 

is there a date showing?


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ok

initial debt was an overcharged estimate ( guesstimate from British gas £150 )

 

ombudsman ruled in British Gases favour

now I have issued a subject access request against British gas and had lots of info back

LOADS !!! bills CD's ( recorded calls ) etc.

 

I know they are bang to rights and I need an affordable solicitor who can take them to court for me,

I to pursue British Gas for costs for the case as well and also damages for the effect on my personal finance

 

im quite savy with money and I only fight a case

id I have been wronged and I know I have a very good chance of winning !

 

I was told categorically on a call this week I have only made two payments on my standing order £10 to pay off the £150 balance and I have just checked and made 4 payments ..

 

..now this is where the plot thickens as they have issued non payment entries and a delinquency entry on my Experian account ........and as a result they have decimated my Experian credit score !!

 

I was on an Experian score of 999 ( and have been for years ) and now am on 221 because of these malicious uninformed charlatans

 

I can get you facts figures recorded calls but I need some legal advice now as ombudsman have totally failed in their duties and I'm pretty sure its because of workload and they have panicked on rule in the fat British Gas !

 

I had no default date that informed me of adverse affect on my credit score and as a result it has crippled my personal finance

 

I cannot get a credit card or loans for my home or a car if I need one ?

I run a little business and ironically I issue CCJ's only when it has to be done as I know the effect it can have on individuals and businesses ....

 

. I need some legal advice on this ASAP and how to proceed so the big kids in the playground don't get their own way and start throwing their weight around unjustly

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regardless to if the bill was an over estimated sum or not

if you owed them 'something' at the point of each marker

and you hadn't settled it, they can mark your file.

 

 

unless you can prove the whole sum of the bill was not owed, you've nothing to 'win'.


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no i was paying at the time they marked the credit score i dont think you understand ?

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doesn't matter if you were still paying.

you owed them 'some' money, even if the sum might have been an error because the reading was an estimate.

they are still entitled to mark your file until the debt is 'cleared'

 

unless you can prove you didn't have ANY debt to them at the time, they have done nothing wrong.

 

you appear not to understand how a credit file works.

 

if you owe someone , regardless to if you are paying, that still doesn't prevent them from marking your file.

because there is a debt

 

prove the debt is bogus

then the markers must be removed.


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